Creative & Seller Financing OverviewSeller financing allows the seller to act as the lender, enabling you to purchase without traditional bank involvement.

@Stanley Nguyen You can have an SDIRA despite having a 401k through your employer - it works just like a Traditional or Roth IRA.If you have SE income, you can have a Solo 401k, too, but you are subject to the annual contribution limits across both plans - your Solo 401k and your 401k through your employer.

The good news is you don't need a specialty loan for a house hack, just a traditional primary home loan.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

And all currencies will eventually go to zero, Warren Buffet was not the first one to say this.Once I understood this, I started looking at leverage in a totally different way.

There are not traditional DSCR lenders that would do that.

For the ballon payment I would plan to refinance into a traditional 30 year loan.

We're also starting to scour other forums for possible investments outside the traditional MLS sites, and other areas like upstate NY. 

My firm has several lenders who can seamlessly close in 15 days on 'traditional' mortgages at/below market rates and we've been doing so for a couple of years now. 

Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1.